The 30-year loans generally only come from government-backed loan products.

I said no, the government does. 

I feel awful getting turned down because the strict requirements for government money.

A strong surprise to the upside from the service sector, as the ISM Non-Manufacturing Index recorded its largest single-month increase (by far) in the series history dating back to 1997.

The property is governed by a HOA that covers all exterior (including roof and structure). 2.

Since these loans aren't backed by the government sponsored entities like Fannie/Freddie they instead rely on secondary market investor buyers. 

We both have careers in the social services sector, so not high income earners, and I've also taken a break to raise our kids (though I'll be returning to work part time soon). 

Given how incompetent the system has been in tackling Covid, it’s likely a day of reckoning for many sectors except those that are digital or online.

However if they think the government is  going to pay their house payment they might not be near as motivated as you think they are.Someone made a statement that if they call back they are interested in selling, however that is not always true.

Yes, our government is stupid and liberal.